HVAC Insurance in Massachusetts

What insurance protections should HVAC businesses look for?

While specific coverage needs may vary, many HVAC businesses can benefit from the following insurance coverages:

• Commercial Building Coverage: Might protect an office building, storage facility, or other structure that an HVAC business owns.
• Commercial Contents Coverage: might protect HVAC equipment, tools, appliances in inventory, and other items when they’re located at a business’s property.
• Contractors Tools and Equipment Coverage: Might protect HVAC equipment and tools when they’re not located at a business’s property.
• Inland Marine Coverage: Might protect HVAC equipment, tools, and appliances when they’re being transported between locations.
• Commercial Auto Coverage: This might protect work vans or trucks that an HVAC business owns and uses.
• General Liability Coverage: Might protect against various accidents that cause harm to other parties or their property.
• Commercial Umbrella Coverage: Might offer an additional layer of protection, beyond the limits of other liability coverages.

An insurance agent who specializes in HVAC business insurance can help with coverage selection.

What kind of auto coverage should HVAC businesses get?

There are several commercial auto coverage options available. Businesses should look for an option that’s well-suited to the vehicles that the business uses. Suitable options could include cargo van coverage, commercial truck coverage, or another option. This is something that a knowledgeable insurance agent will be able to assist with.

Should HVAC technicians have their own insurance when moonlighting?

HVAC technicians who moonlight on the side generally should get their own insurance policy. Any coverage that an employer has likely won’t apply to additional work that’s outside the scope of employment.

A knowledgeable agent can help technicians find a suitable and affordable policy for the additional work they do.

Should HVAC technicians have their own insurance when subcontracting?

Whether technicians should have their own insurance when subcontracting varies by situation. 

In general, technicians who work as subs should plan on getting their own policy. They’re usually self-employed and frequently aren’t covered by a general contractor’s policy.

Some general contractors may extend their coverage to subcontracting HVAC technicians, though. This is usually done by listing the sub as an “additional insured,” which normally allows the listed party to file a claim against the policy.

Do HVAC policies cover plumbing and gas work?

Not all HVAC policies are set up to cover plumbing and gas work, but this is often an option if technicians are also licensed plumbers. An experienced agent can check which policies would cover plumbing and gas.

How much do HVAC businesses pay for insurance?

Premiums for HVAC business insurance are based on many factors. A business’s location, area serviced, services offered, vehicles, claims history, and many other details can all impact cost.

HVAC businesses can find out how much a policy will cost them by talking with an independent insurance agent. Since an independent agent isn’t linked to any specific insurer, they can check quotes for HVAC policies from several insurers.